The Bank of Commerce in Mcloud, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of October 25, 1996

  • The Bank of Commerce in Mcloud, Oklahoma (OK)
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The Bank of Commerce - Overview

  • General
  • FDIC Certificate #: 11524
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: BancFirst (#27476)
    Federal Reserve ID: 831950
    Date Established: May 07, 1907
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Interstate: No)
    FDIC's unique #: 7365
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: October 25, 1996
    Last Structure Change Process Date: December 02, 1996
    Last Data Update: December 02, 1996
    Data Source Date: April 05, 2012
  • Location
  • Address: Fifth And Broadway Streets, Mcloud, OK 74851
    County: Pottawatomie
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Oklahoma City
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): Oklahoma City, OK (#5880)
    Combined Statistical Area (CSA): Oklahoma City-Shawnee, OK (#416)
    Core Based Statistical Area (CBSA): Shawnee, OK (#43060)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $17.8 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $11Total assets
  • $17,403Cash and due from depository institutions
  • $1,044Interest-bearing balances
  • $110Securities
  • $7,496Federal funds sold & reverse repurchase agreements
  • $400Net loans & leases
  • $8,080Loan loss allowance
  • $45Trading account assets
  • $0Bank premises and fixed assets
  • $220Other real estate owned
  • $0Goodwill and other intangibles
  • $163Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $17,403Total liabilities
  • $16,125Total deposits
  • $15,940Interest-bearing deposits
  • $12,751Deposits held in domestic offices
  • 15940.00%% insured (estimated)
  • $99Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $185Total equity capital
  • $185Total bank equity capital
  • $1,278Perpetual preferred stock
  • $0Common stock
  • $340Surplus
  • $360Undivided profits
  • Memoranda
  • $578Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $41Income earned, not collected on loans
  • $79Earning assets
  • $16,086Long-term assets (5+ years)
  • $2,261Average Assets, year-to-date
  • $17,641Average Assets, quarterly
  • $17,327Volatile liabilities
  • $300Insider loans
  • $23FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $113Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $1,335Total risk weighted assets
  • $7,633Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1995)

  • Dollar figures in thousands
  • $0Total interest income
  • $1,415Total interest expense
  • $492Net interest income
  • $923Provision for loan and lease losses
  • $10Total noninterest income
  • $264Fiduciary activities
  • $0Service charges on deposit accounts
  • $223Trading account gains & fees
  • $0Additional noninterest income
  • $41Total noninterest expense
  • $626Salaries and employee benefits
  • $325Premises and equipment expense
  • $56Additional noninterest expense
  • $245Pre-tax net operating income
  • $551Securities gains (losses)
  • -$15Applicable income taxes
  • $191Income before extraordinary items
  • $345Extraordinary gains - net
  • $0Net income attributable to bank
  • $346Net charge-offs
  • $112Cash dividends
  • $345Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1995)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 8.65%Cost of funding earning assets
  • 3.01%Net interest margin
  • 5.64%Noninterest income to earning assets
  • 1.61%Noninterest expense to earning assets
  • 3.83%Net operating income to assets
  • 2.01%Return on assets (ROA)
  • 1.96%Pretax return on assets
  • 3.04%Return on equity (ROE)
  • 28.08%Retained earnings to average equity (YTD only)
  • 0.08%Net charge-offs to loans
  • 1.36%Credit loss provision to net charge-offs
  • 8.93%Efficiency ratio
  • 52,738Assets per employee
  • 1.58%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 99.71%Loss allowance to loans
  • 0.55%Loss allowance to noncurrent loans
  • 109.76%Noncurrent assets plus other real estate owned to assets
  • 0.24%Noncurrent loans to loans
  • 0.50%Net loans and leases to deposits
  • 50.69%Net loans and leases to core deposits
  • 51.66%Equity capital to assets
  • 7.34%Core capital (leverage) ratio
  • 7.74%Tier 1 risk-based capital ratio
  • 17.49%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $17,641Average earning assets
  • $1,232Average equity
  • $16,365Average loans

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